Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Bayfirst Financial Corp

Financial Services US BAFN

5.61USD
-0.2(3.44%)

Last update at 2026-06-03T20:00:00Z

Day Range

5.605.89
LowHigh

52 Week Range

4.8017.36
LowHigh

Fundamentals

  • Previous Close 5.81
  • Market Cap32.06M
  • Volume19536
  • P/E Ratio-
  • Dividend Yield-%
  • Revenue TTM39.59M
  • Revenue Per Share TTM9.59
  • Gross Profit TTM 39.59M
  • Diluted EPS TTM-5.93

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -30.83000M 16.99M 8.03M 7.04M 32.48M
Minority interest - - - - -
Net income -22.93700M 12.60M 5.70M 5.48M 24.62M
Selling general administrative 35.35M 37.69M 38.88M 32.05M 99.83M
Selling and marketing expenses - 2.05M 3.34M 2.66M 7.62M
Gross profit 39.59M 65.73M 68.32M 57.84M 149.64M
Reconciled depreciation 9.12M 8.72M 6.33M 4.97M 4.75M
Ebit - 16.99M 8.03M 4.81M 32.48M
Ebitda -30.83000M 25.71M 14.79M 9.78M 37.23M
Depreciation and amortization - 8.72M 6.75M 4.97M 4.75M
Non operating income net other - - - - -
Operating income -30.83000M 16.99M 8.03M 4.81M 32.48M
Other operating expenses 135.02M 108.25M 102.81M 2.66M 117.16M
Interest expense 40.01M 44.78M 32.09M 8.57M 7.30M
Tax provision -7.89300M 4.32M 2.09M 1.56M 7.86M
Interest income 85.79M 82.81M 62.18M 37.97M 47.54M
Net interest income 45.78M 38.03M 36.13M 29.40M 40.24M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -7.89300M 4.32M 2.12M 1.56M 7.86M
Total revenue 104.19M 125.24M 110.85M 57.84M 149.64M
Total operating expenses 70.42M 48.74M 60.28M 2.66M -117.15900M
Cost of revenue 64.59M 59.51M 42.53M - -
Total other income expense net - -11.56300M -11.46900M 2.23M -7.30000M
Discontinued operations - - - -5.82700M 15.59M
Net income from continuing ops -22.93700M 12.67M 6.37M 5.48M 24.62M
Net income applicable to common shares - - - -1.18100M 23.61M
Preferred stock and other adjustments - - - 0.83M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1300.26M 1288.30M 1117.77M 938.89M 917.10M
Intangible assets 12.58M 16.53M 14.96M 10.91M 6.62M
Earning assets - - - - -
Other current assets - - 70.16M -4.88100M 698.80M
Total liab 1212.69M 1177.38M 1017.06M 847.01M 820.80M
Total stockholder equity 87.57M 110.92M 100.71M 91.88M 96.29M
Deferred long term liab - - - - -
Other current liab 1.44M 1143.23M 625.04M -1.68400M -0.32600M
Common stock 54.37M 54.76M 54.52M 53.02M 51.50M
Capital stock 70.10M 70.49M 70.25M 62.32M 60.78M
Retained earnings 19.76M 44.13M 34.40M 33.48M 35.95M
Other liab - - - - -
Good will - - - - -
Other assets 1205.12M 118.71M - 786.45M 698.80M
Cash 5.12M 80.06M 63.03M 70.93M 112.11M
Cash and equivalents - - - - -
Total current liabilities 2.58M 1144.27M 635.50M 6.38M 0.33M
Current deferred revenue - - -0.88200M 0.98M -
Net debt 15.70M -57.65800M -42.07400M -33.55300M -98.07700M
Short term debt - 2.49M 10.46M 6.38M 8.05M
Short long term debt - - - - -
Short long term debt total 20.82M 22.40M 20.96M 37.37M 14.03M
Other stockholder equity -0.33500M -0.75200M - -0.17800M -0.01700M
Property plant equipment - - - 38.62M 34.21M
Total current assets 42.91M 98.10M 70.16M 112.85M 146.56M
Long term investments 31.86M 38.78M 42.06M 47.35M 30.89M
Net tangible assets - - - 82.60M 87.01M
Short term investments 29.36M 8.88M 39.58M 42.35M 30.89M
Net receivables 8.42M 9.15M 7.13M 4.45M 3.56M
Long term debt 7.55M 7.89M 18.34M 33.84M 9.28M
Inventory - - -3.03100M - 0.00300M
Accounts payable 1.13M 1.04M 0.88M 0.70M 0.33M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -2.29500M -2.95600M -3.93900M -3.72400M -0.42000M
Additional paid in capital - - - - -
Common stock total equity - - - 53.02M -
Preferred stock total equity - - - 9.28M -
Retained earnings total equity - - - 33.48M -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -1193.24900M 43.66M 57.26M -58.25700M -0.45400M
Deferred long term asset charges - - - - -
Non current assets total 52.23M 1190.20M 1047.61M 39.60M 71.73M
Capital lease obligations 13.26M 14.51M 2.62M 3.54M 4.75M
Long term debt total - - - 8.84M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 8.13M -515.93300M -611.64900M -74.87700M -31.52700M
Change to liabilities - - - 3.73M 0.00000M
Total cashflows from investing activities -194.94300M -515.93300M - -510.60500M 601.86M
Net borrowings -0.34100M -10.45500M - -45.10900M -812.13100M
Total cash from financing activities 38.84M 144.80M 178.82M 26.67M -648.72500M
Change to operating activities - - - 1.94M -4.91700M
Net income -22.93700M 12.67M 5.92M 5.48M 24.62M
Change in cash 129.19M 19.40M -7.66100M -43.68100M 54.35M
Begin period cash flow 77.79M 58.38M 66.05M 109.73M 55.38M
End period cash flow 206.98M 77.79M 58.38M 66.05M 109.73M
Total cash from operating activities 285.30M 390.53M 454.80M 440.25M 101.21M
Issuance of capital stock 0.05M 0.00000M 2.22M 0.51M 2.58M
Depreciation 9.12M 8.72M 6.75M 4.97M 4.75M
Other cashflows from investing activities -194.94300M -517.69400M - -427.66400M -12.46500M
Dividends paid 1.43M 2.86M 2.28M 2.12M 2.06M
Change to inventory - - - - -
Change to account receivables 0.73M -2.02500M -2.67800M -0.92000M 3.74M
Sale purchase of stock -0.28500M -0.02300M -0.01300M -0.04900M 169.56M
Other cashflows from financing activities 40.71M 158.14M 196.32M 98.44M -0.00600M
Change to netincome - - - 433.75M 72.92M
Capital expenditures 0.30M 1.69M 7.58M 8.06M 13.30M
Change receivables - - - -0.92000M -
Cash flows other operating - - - 3.21M -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -43.68100M -
Change in working capital -5.35600M 3.88M -6.85500M 1.02M -1.18100M
Stock based compensation 0.12M 0.42M 0.76M 0.85M 0.52M
Other non cash items 313.59M 365.03M 446.10M 427.50M 69.00M
Free cash flow 285.00M 388.84M 447.21M 432.19M 87.92M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
BAFN
Bayfirst Financial Corp		 -0.2 3.44% 5.61 - - 0.81 0.44 1.21
HDB
HDFC Bank Limited ADR		 0.01 0.04% 23.55 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.425 1.38% 30.39 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 - -% 51.34 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

View All

Profile

BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers internet, mobile and online banking, lock box services, remote capture and deposit, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in Pinellas, Hillsborough, Manatee, and Sarasota counties, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida.

Bayfirst Financial Corp

700 Central Avenue, Saint Petersburg, FL, United States, 33701

Key Executives

Name Title Year Born
Mr. Anthony Nicholas Leo J.D. CEO & Director 1961
Mr. Thomas G. Zernick Pres 1963
Ms. Brandi Nicole Jaber Pres of Residential Mortgage Division 1974
Ms. Robin L. Oliver Exec. VP, COO & CFO 1976
Mr. John Macaluso Exec. VP & CTO NA
Mr. Lewis O. Benner Jr. Exec. VP & Chief Credit Officer 1961
Mr. Brian Green VP of First Home Bank & Controller of First Home Bank NA
Mr. Matthew Mann Luckey Exec. VP, Chief Banking Officer & Chief Lending Officer 1974
Mr. Thomas G. Zernick CEO & Director 1964
Ms. Robin L. Oliver President & COO 1977

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.